1. The document describes a process where a home buyer pays $69 to join an online auction pool to bid on a home that was purchased by the company from an initial seller. 2. When enough bidders join the pool, the company pays the initial seller the full asking price for their home and that transaction is complete. 3. The online auction then begins where members of the pool bid based on their desired monthly payment amount, and the highest bidder wins the home with 0% interest and no down payment, as long as they bring their first monthly payment.